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The Government Employees’ Insurance system started operating from September, 1958. The aim is to promote the working efficiency of the public services by taking care of the government employees’ livelihood and improving their welfare. The Ministry of Personnel is the competent authority. The Central Trust of China (CTC) acted as the Insurer before June, 2007. After the merger of Central Trust of China and Bank of Taiwan on July 1, 2007, Bank of Taiwan, acting as the Insurer, assumes the operation of insurance system.
Before the inauguration of National Health Insurance on March, 1, 1995, the insurance system included six medical care programs, which were listed in the following:
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Government Employees’ Insurance(GEI)
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Insurance for Teaching and Administrative Staffs of Private Schools(ITASPS)
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Retired Government Employees’ Insurance(RGEI)( for retirees and persons who were laid off without pension before June 30, 1985)
The above three also include cash benefits programs.
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Health Insurance for Government Employees’ Dependents(HIGED)
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Health Insurance for Dependents of Teaching and Administrative Staffs of Private School(HIDTASPS)
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Health Insurance for Retired Employees and Their Dependents of Government Organizations and Private Schools(HIRETDGOPS)
However, after the establishment of National Health Insurance, Central Trust of China only took charge of the operations of cash benefits of GEI, ITASPS, and RGEI programs. All the administration of medical care benefit has been transferred to the Bureau of National Health Insurance.
Since the GEI and ITASPS programs have the same director, insurer, insurance privilege, insurance liability and the same benefits’ items, methods and conditions, and because of the considerations of simplifying the insurance regulations, integrating the insurance systems, combining the insurance principles and pursuing economical interests, the Examination Yuan and Executive Yuan requested the Legislative Yuan to consolidate GEI law and ITASPS statute into The Government Employee’s and School Staffs’ Insurance Law(The GESSI Law). The GESSI Law was passed by the Legislative Yuan through Three Reading procedures on May 11, 1999, and promulgated by The President on 29 of the same month.
Kinds of Insurance Policies:
Government Employees' and School Staffs' Insurance
Inceptive Date
September of 1958
Property
Compulsory
Eligible Enrollees
Full-time employees under the authorized personnel quota with the official payroll by government agencies established legally.
Full-time staffs under the authorized personnel quota with official payroll by government-owned schools.
Officials under the authorized personnel quota with the official payroll by government agencies established legally.
Full-time staffs of private school, under the personnel quota on the payroll, that are certified by competent authority and are registered as profit organization established legally.
Coverage
Benefits for Disability, Old Age and Death as well as Dependents’ Funeral Allowance.
Insured Monthly Salary
Based on the criteria of government employees’ monthly payroll.
For private school staffs, levels of insured salaries set up according to the payroll system that registered to the competent authorities of education and keep up with the insured salary criteria established by government-owned schools.
Premium Rate
The range of premium rate should be between 4.5% and 9% of monthly insured salary and should be designated jointly by Examination Yuan and Executive Yuan according to the receipts and expenses of insurance. (Presently, the rate has not been set up yet by the two Yuans and remains the same as that previously and should be adjusted thereafter.)
The current premium rate is 7.15%.
Premium
Counted by the premium rate of the insured monthly salaries.
Those who joined the program before the onset of the GESSI Law whose insurance duration is over 30 years should be free of the portion of self-paid premium which is paid by government or by private school.
The premium for the one that being on military service and hold his origin position is paid entirely by government or by private school.
The portion of self-paid premium for the booked disability be compensated by local government:
Severe degree of disability: portion of self-paid be fully supported.
Moderate degree: portion of self-paid be halfly supported.
Mild one: portion of self-paid be quarterly supported.
The insured who is on service without salary and still on voluntary enrollment should pay the premium stated as follows:
Those who are during the period of baby care: After the implementation of the Gender Equality in Employment Law since March 8, 2002 , the insured should pay the portion of self-paid. In addition, the insured could pay after three years of delay, or one could pay monthly as the present way.
Otherwise, the premium should be paid all by oneself.
Shared Rate of Premium
For the insureds who are government employees:
Rate of self-paid: 35%
Rate of government-paid: 65%
For the insureds who are private school staffs:
Rate of self-paid: 35%
Rate of government-paid: 32.5%
Rate of school-paid: 32.5%
Retired Government Employees' Insurance
Inceptive Date
August of 1965
Property
Voluntary
Eligible Enrollees
Enrolled in RGEI before July 1, 1985 and on insurance.
Coverage
Benefits for Disability, Old Age, Death and Dependents’ Funeral Allowance.
The insured of voluntary withdrawal should be reimbursed with one’s inherent Old Age benefit.
Insured Salary
Based on the amount of insured salary level at legal retirement.
Premium Rate
8%
Premium
8% of insured monthly salary.
The one whose insurance seniority is over 30 years should be free of the portion of self-paid premium.
Portion of self-paid premium for the booked disability should be compensated by the local government:
Severe degree of disability: self-paid portion should be fully paid by government.
Moderate degree: self-paid portion should be half paid by government.
Mild one: self-paid portion should be quarter paid by government.
Shared Rate of Premium
Rate of self-paid portion: 100%.
Cash Benefits
In the event of disability, retirement or death for the insureds or their dependents within five years, They should be provided with various cash benefits based on their latest insured salary.
1. Disability Benefit
The criteria of application are based on the List of the Criteria for the Provision of Disability Benefit under the Government Employees’ and School Staffs’ Insurance. (For the time between May 31 of 1999 and January 27 of 2000, the insured with Booklet for Physical or Mental Disability by the Law of Protection for Physical or Mental Disability should be eligible to apply for the disability benefit within 5 years since the onset of disability. Furthermore, the insured, who was eligible to the criteria both of Physical and Mental Disability and of the provision under the Government Employees’ and School Staffs’ Insurance in the meantime, should select one of them whatever is the most favorable to apply for the disability benefit.)
If disability is service-connected or on military service, 36-month cash benefit would be payable for total disability, 18-month for hemi-disability, 8-month for partial disability.
If disability from disease or accidental injury, 30-month would be payable for total disability, 15-month for hemi-disability and 6-month for partial disability.
2. Old Age Benefit
The insureds are entitled to have old age benefit upon their retirement, dismissal or leave with 15 years or more of insured seniority and beyond the age of 55.
The criteria of application are stated as follows:
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Criteria of benefit provision:
The insured seniority before the onset of GESSI Law would be payable according to GEI Law or Statute of ITASPS.
The insured seniority after the onset of GESSI Law would be payable by 1.2-month of insured monthly salary for each full year, or by proportion for each additional month.
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The insured seniority before and after the onset of GESS law would be additive for the calculation of old age benefit, whereas the maximum benefit payable amount are set to 36-month insured salary.
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The employee with insured seniority before and after the onset of GESS law in total over 12 years and a half, is entitled to 1.2 month per service year if his or her average old age benefit is below 1.2 month for each service year according to new GESS law. For the employee whose insured seniority under 12 years and a half, if the old age benefit months doesn ’t match up to the months calculated by previous GEI law and ITASPS law, adopt the higher months for benefit calculation.
In case of reenrollment, the insured need not return the old age benefit.
However, the insured seniority should not be additive. The maximum of benefit in total payable would be 36-month insured salary. If the amount of benefit payable reaches the maximum, no more would be paid thereafter. On the contrary, that does not, the difference would be payable to the insured.
In case of reenrollment, the old age benefit should not be payable for retirement or leave if the employee had received the maximum before. Whereas the premium paid during that period would be refundable with interest.
The insureds are entitled to have old age benefit once upon their leave between March 1 of 1995 and May 30 of 1999 with 15 years or more of insured seniority and beyond the age of 55, according to the GEI Law or Law of ITASPS previously.
For RGEI, in case of voluntary withdrawal, the old age benefit would be payable.
3. Death Benefit
In the event of death, beneficiary or beneficiaries of the deceased insureds are entitled to have death benefit, the following criteria would apply:
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36-month benefit would be provided for service-connected death.
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30-month benefit would be provided for non-service-connected death.
However, 36-month benefit would be provided for more than 20 years of insured seniority.
In case of having the old age benefit, the amount of death benefit payable should be subtracted.
4. Dependents’ Funeral Allowance
In the event of death for the dependents suffered from sickness or injury, the insureds are entitled to have funeral allowance, the following criteria should apply:
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If parents or spouse of the insured died, 3-month funeral allowance would be payable.
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Funeral allowance for children's death:
For children's age that between 12 and 25, 2-month funeral allowance would be payable.
For the children's age less than 12 and infants already registered of their births by competent government agency, 1-month funeral allowance would be payable.
For the death of the same child, spouse or parent, the allowance for the insured would be provided with one only. |